The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$118,290
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,738/mo
Today · 4.125%
HK$125,708
baseline
▲ 0.50% · 4.625%
HK$133,357
+HK$7,649/mo
Deposit HK$25.94M · loan HK$25.94M · min. income ≈ HK$251,416/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,597
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,126
−HK$3,581/mo
Today · 4.125%
HK$138,707
baseline
▲ 0.50% · 4.625%
HK$146,018
+HK$7,311/mo
Deposit HK$25.94M · loan HK$25.94M · min. income ≈ HK$277,414/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,948
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,364
−HK$4,486/mo
Today · 4.125%
HK$150,850
baseline
▲ 0.50% · 4.625%
HK$160,029
+HK$9,179/mo
Deposit HK$20.75M · loan HK$31.13M · min. income ≈ HK$301,700/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,916
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,151
−HK$4,297/mo
Today · 4.125%
HK$166,448
baseline
▲ 0.50% · 4.625%
HK$175,222
+HK$8,774/mo
Deposit HK$20.75M · loan HK$31.13M · min. income ≈ HK$332,896/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,607
−HK$10,385/mo
▼ 0.25% · 3.875%
HK$170,758
−HK$5,234/mo
Today · 4.125%
HK$175,992
baseline
▲ 0.50% · 4.625%
HK$186,700
+HK$10,708/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$351,984/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,236
−HK$9,953/mo
▼ 0.25% · 3.875%
HK$189,177
−HK$5,012/mo
Today · 4.125%
HK$194,189
baseline
▲ 0.50% · 4.625%
HK$204,425
+HK$10,236/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$388,378/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,923
−HK$13,352/mo
▼ 0.25% · 3.875%
HK$219,546
−HK$6,729/mo
Today · 4.125%
HK$226,275
baseline
▲ 0.50% · 4.625%
HK$240,043
+HK$13,768/mo
Deposit HK$5.19M · loan HK$46.69M · min. income ≈ HK$452,550/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,874
−HK$12,798/mo
▼ 0.25% · 3.875%
HK$243,227
−HK$6,445/mo
Today · 4.125%
HK$249,672
baseline
▲ 0.50% · 4.625%
HK$262,832
+HK$13,160/mo
Deposit HK$5.19M · loan HK$46.69M · min. income ≈ HK$499,344/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,726 · Scale 2, in force from 26 Feb 2026)